Tag: Memorial Merits

From Loss to Legacy: Why I Built Memorial Merits

After losing my father while serving at sea, I discovered how overwhelming grief and end-of-life decisions can be. Memorial Merits was born to give families clarity, comfort, and trusted resources when they need them most.
Why I Created the Legacy Journal I Wish My Family Had

There’s a moment that changes you.It usually comes quietly — in a hospital room, during a late-night phone call, or when you’re holding onto someone’s belongings with more […]
The Truth Behind Military Family Survivor Benefits

There’s no handbook handed out when you swear in that tells your spouse what to expect if the unthinkable happens. This is why its so important to talk about military family survivor benefits.

Life Insurance on Someone Else: What Insurable Interest Means for Your Family
Insurable interest determines who you can get life insurance on and who you cannot. This guide explains the rules in plain language for unmarried partners, divorced co-parents, adult children insuring aging parents, blended families, and small business partners, including the workarounds and conversation strategies nobody else covers.
Life Insurance with Pre-Existing Conditions
Every article about life insurance with pre-existing conditions opens with the same line: “yes, you can still get coverage.” Then it skips everything that actually matters. This guide breaks down the table rating system in plain English, explains how the same condition gets evaluated completely differently by different carriers, reveals the informal inquiry strategy that keeps formal declines off your MIB record, and walks through condition-specific underwriting reality for cardiovascular, metabolic, cancer, mental health, and autoimmune conditions. Written from the patient’s perspective, not the broker’s desk. Free preparation checklist included.
Life Insurance for Special Needs Families
Standard life insurance advice assumes your dependents will eventually become independent. When your child has special needs, that assumption changes everything. This guide covers the real coverage calculation, trust funding strategies, family coordination failures, and protection planning that generic financial content ignores.

Memorial Merits